CN1409848A - Transaction system - Google Patents
Transaction system Download PDFInfo
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- CN1409848A CN1409848A CN00817157.2A CN00817157A CN1409848A CN 1409848 A CN1409848 A CN 1409848A CN 00817157 A CN00817157 A CN 00817157A CN 1409848 A CN1409848 A CN 1409848A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
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Abstract
A transaction system (1) is provided for transactions between suppliers who provide goods and buyers who purchase goods using a computer system through a portal site (2). A transaction device (5) totals the details of payment involved in the transactions for each buyer. When the buyer enters the acknowledgment in the transaction device (5) to confirm the details of payment, the transaction device (5) instructs a financial institution (6) specified by the supplier to transfer the amount billed to a financial institution (6) specified by the buyer. Thus, the settlements of accounts resulting from a plurality of portal sites can be processed collectively for a plurality of financial institutions.
Description
Technical field
The present invention relates to a kind of transaction (settlement commission) system, be used to carry out the agency of clearing of the expense that sales transactions produced at place, portal, relate in particular to a kind of like this transaction system, it can batch processing by sales transactions produced and the clearing a plurality of financial institutions at place, a plurality of portals.
Background technology
At present, the commercial affairs between company utilize some portals to handle extensive stock in business transaction, such as, iron and steel, food and chemicals, and carry out the sales transactions of commodity by the portal.Yet in the portal of routine, because the function of the fund that is produced in the clearing sales transactions can not be provided, therefore, settlement function separately all must be set up in each portal.
Yet, when separately settlement function is all attempted to set up in each portal, the such problem that can bring, promptly each portal all must be connected with all financial institutions.In addition, owing to will add up to, and the instruction that will prepare the amount of money that will send for each client, therefore, also there is the problem of setting up and will bearing very big burden during the maintenance settlement function to the purchase volume.
Moreover if in the portal that one side of financial institution also has exchange to need, financial institution also must be connected with all portals so.Therefore, the problem of being brought is that the burden that one side of financial institution is born equally also can increase.
The present invention has considered the problems referred to above, the object of the present invention is to provide a kind of like this transaction system, it can batch processing by sales transactions produced and the clearing a plurality of financial institutions at place, a plurality of portals, and need not between many portals and many financial institutions, to carry out anyly independently to be connected.
Summary of the invention
In order to achieve the above object, a kind of transaction method of the present invention as claimed in claim 1 is a kind of like this method, in this method, utilize computer system to carry out the supplier of the supplied goods by the portal and buy transaction between the buyer of commodity, and utilize server to carry out the agency of the clearing of the expense that these exchanges produce.This transaction method is characterized in that: server gathers the bill of the expense that is produced in the transaction at place, portal, and as the buyer during to the toll amount of server registers approval bill, the specified buyer of the server instruction buyer specifies financial institution that toll amount is sent to the specified supplier of supplier and specifies financial institution.
According to the invention of claim 1, can batch processing by sales transactions produced and the clearing a plurality of financial institutions at place, a plurality of portals, and need not between many portals and many financial institutions, to carry out anyly independently to be connected.
Transaction method of the present invention as claimed in claim 2 is characterized in that: as the buyer during to server registers approval toll amount, the examining of the geld that server sends the buyer sends to the buyer and specifies financial institution.
According to the invention of claim 2, be a tame bank even the buyer specifies financial institution, also can settle accounts expense by examining to compare from the money order of server and this geld.
Transaction method of the present invention as claimed in claim 3 is characterized in that: specify the instruction of financial institution to specify the remittance of remittance of financial institution as a result the time to the buyer when server receives from the buyer, server is deleted money order with the generation checkout result according to the remittance result, and checkout result is notified to the buyer.
According to the invention of claim 3, the buyer need not to carry out needed the deletion of big workload work in the past, thus the burden that can alleviate the buyer greatly and born.
Transaction method of the present invention as claimed in claim 4 is characterized in that: server is notified to supplier with fee bill, and makes supplier to make one's options from fee bill.
According to the invention of claim 4, bill can be assigned with according to supplier's request, and useless bill can be deleted.
Transaction method of the present invention as claimed in claim 5 is characterized in that: server receives the treatment state from the buyer's bill, for each supplier compiles treatment state, and gives supplier with result notification.
According to the invention of claim 5, supplier always can know the treatment state from the buyer's bill.
Transaction equipment of the present invention as claimed in claim 6 is a kind of like this equipment, it utilizes computer system to carry out the supplier of the supplied goods by the portal and buys transaction between the buyer of commodity, and utilizes server to carry out the agency of the clearing of the expense that these exchanges produce.This transaction equipment comprises: expense details notifying device, be used for receiving from the conduct of portal expense details about the information of the bill of the expense that transaction produced at place, portal, be used to each buyer to compile the expense details and be used for this information is notified to each buyer; With the money order device, be used for when the buyer registers the toll amount of the expense details that approved charge details notifying device notified, the specified buyer of the instruction buyer specifies financial institution that this toll amount is sent to the specified supplier of supplier and specifies financial institution.
According to the invention of claim 6, can batch processing by sales transactions produced and the clearing a plurality of financial institutions at place, a plurality of portals, and need not between many portals and many financial institutions, to carry out anyly independently to be connected.
Transaction equipment of the present invention as claimed in claim 7 also comprises: geld is examined dispensing device, be used for when the buyer registers the toll amount of the expense details that approved charge details notifying device notified, examining of geld that the buyer sent sent to the buyer specify financial institution.
According to the invention of claim 7, be a tame bank even the buyer specifies financial institution, also can settle accounts expense by examining to compare from the money order of transaction equipment and this geld.
Transaction equipment of the present invention as claimed in claim 8 also comprises: the checkout result notifying device, be used to receive the remittance result who specifies the remittance that is instructed by the money order device of financial institution from the buyer, be used for deleting money order to produce checkout result and to be used for checkout result is notified to the buyer according to the remittance result.
Invention according to Claim 8, the buyer need not to carry out needed the deletion of big workload work in the past, thus the burden that can alleviate the buyer greatly and born.
Transaction equipment of the present invention as claimed in claim 9 is characterized in that: the expense details that expense details notifying device will receive from the portal are notified to supplier, and make that supplier can the sorting charge details.
According to the invention of claim 9, bill can be assigned with according to supplier's request, and useless bill can be deleted.
Transaction equipment of the present invention as claimed in claim 10 also comprises: the treatment state notifying device, be used to receive treatment state from the buyer's the expense details that are notified to the buyer, the treatment state that is used to each supplier to compile treatment state and is used for being compiled is notified to supplier.
According to the invention of claim 10, supplier always can learn the treatment state of the buyer's bill.
Buyer terminal of the present invention as claimed in claim 11 is a kind of like this buyer terminal, and it utilizes computer system to carry out with the transaction of supplier by the portal supplied goods and buys commodity.This buyer terminal is characterized in that: when receive from server about transaction at portal place in the notice of bill of the expense that produced, and when the buyer registers the toll amount of these bills of approval, allow the specified buyer of the server instruction buyer to specify financial institution that toll amount is sent to the specified supplier of supplier and specify financial institution.
According to the invention of claim 11, can batch processing by sales transactions produced and the clearing a plurality of financial institutions at place, a plurality of portals, and need not between many portals and many financial institutions, to carry out anyly independently to be connected.
Buyer terminal of the present invention as claimed in claim 12 is characterized in that: when the buyer registers approval during toll amount, server is issued in this approval, specified financial institution thereby allow examining of geld that server sends the buyer to send to the buyer.
According to the invention of claim 12, be a tame bank even the buyer specifies financial institution, also can settle accounts expense by examining to compare from the money order of server and this geld.
Buyer terminal of the present invention as claimed in claim 13 is characterized in that: when server receive from the buyer specify financial institution with by the relevant remittance of the money order of the toll amount that the buyer instructed as a result the time, allow server to delete money order with the generation checkout result, and receive checkout result according to the remittance result.
According to the invention of claim 13, the buyer need not to carry out needed the deletion of big workload work in the past, thus the burden that can alleviate the buyer greatly and born.
Vendor terminal of the present invention as claimed in claim 14 is a kind of like this vendor terminal, and it utilizes computer system to provide merchandise news to the portal, and comes merchandising by the execution and the buyer's transaction.This vendor terminal is characterized in that: prompting supplier makes one's options during the bill of the expense that produces in the exchange at portal place that receives from server.When selection result is sent to server, allow server to carry out the approval of the buyer to the toll amount of these bills, and when this Fee Amount of buyer confirm, allow the specified buyer of the server instruction buyer to specify financial institution that toll amount is sent to the specified supplier of supplier and specify financial institution.
According to the invention of claim 14, bill can be assigned with according to supplier's request, and useless bill can be deleted.
Vendor terminal of the present invention as claimed in claim 15 is characterized in that: server receives the treatment state from the buyer's bill, and for each supplier compiles treatment state, and the treatment state that is compiled is received.
According to the invention of claim 15, supplier always can learn the treatment state of the buyer's bill.
A kind of transaction program recording medium that is used for writing down transaction equipment of the present invention as claimed in claim 16 is a kind of like this transaction program recording medium that is used for writing down transaction equipment, it utilizes computer system to carry out the supplier of the supplied goods by the portal and buys transaction between the buyer of commodity, and carries out the agency of the clearing of the expense that these exchanges produce.This recording medium comprises: expense details notification procedure, be used for receiving from the conduct of portal expense details about the information of the bill of the expense that transaction produced at place, portal, the information that is used to each buyer to compile the expense details and is used for being compiled is notified to each buyer; With the money order process, be used for when the buyer registers the toll amount of the expense details that approved charge details notification procedure notified, the specified buyer of the instruction buyer specifies financial institution that this toll amount is sent to the specified supplier of supplier and specifies financial institution.
According to the invention of claim 16, can batch processing by sales transactions produced and the clearing a plurality of financial institutions at place, a plurality of portals, and need not between many portals and many financial institutions, to carry out anyly independently to be connected.
The transaction program recording medium that is used for writing down transaction equipment of the present invention as claimed in claim 17 also comprises: geld is examined process of transmitting, be used for when the buyer registers the toll amount of the expense details that approved charge details notification procedure notified, the geld that the buyer sent is examined sent to the buyer and specify financial institution.
According to the invention of claim 17, be a tame bank even the buyer specifies financial institution, also can settle accounts expense by examining to compare from the money order of transaction equipment and this geld.
The transaction program recording medium that is used for writing down transaction equipment of the present invention as claimed in claim 18 also comprises: the checkout result notification procedure, be used to receive the relevant remittance result of the money order with being instructed who specifies financial institution from the buyer by the money order process, be used for deleting money order to produce checkout result and to be used for checkout result is notified to the buyer according to the remittance result.
According to the invention of claim 18, the buyer need not to carry out needed the deletion of big workload work in the past, thus the burden that can alleviate the buyer greatly and born.
The expense details that the expense details notification procedure that is used for writing down the transaction program recording medium of transaction equipment of the present invention as claimed in claim 19 will receive from the portal are notified to supplier, and make that supplier can the sorting charge details.
According to the invention of claim 19, bill can be assigned with according to supplier's request, and useless bill can be deleted.
The transaction program recording medium that is used for writing down transaction equipment of the present invention as claimed in claim 20 also comprises: the treatment state notification procedure, be used to receive treatment state from the buyer's the expense details that are notified to the buyer, the treatment state that is used to each supplier to compile treatment state and is used for being compiled is notified to supplier.
According to the invention of claim 20, supplier always can learn the treatment state of the buyer's bill.
Description of drawings
Fig. 1 is a block diagram of representing the configuration of transaction system according to the embodiment of the present invention.
Fig. 2 is the process flow diagram of the membership information enrollment process in the transaction system 1 shown in the key diagram 1.
Fig. 3 shows an example of the enrollment screen of the financial institution in the membership information enrollment process shown in Fig. 2.
Fig. 4 shows an example of the display screen of the membership information in the membership information enrollment process shown in Fig. 2.
Fig. 5 is the process flow diagram of the merchandise sales transaction at 2 places, portal shown in the key diagram 1.
Fig. 6 is the process flow diagram of the transaction process in the transaction system 1 shown in the key diagram 1.
Fig. 7 shows an example of the bill content verification screen of the supplier in the transaction process shown in Fig. 6.
Fig. 8 shows an example of the logon screen in the transaction process shown in Fig. 6.
Fig. 9 shows an example examining screen of the expense content in the transaction process shown in Fig. 6.
Figure 10 shows an example examining screen of the expense content in the transaction process shown in Fig. 6.
Figure 11 shows an example of the approval screen of the expense content in the transaction process shown in Fig. 6.
Figure 12 shows an example of the screen that is used to specify and changes financial institution in the transaction process shown in Fig. 6.
Figure 13 shows an example of the bill detail list that is shown to supplier in the transaction process shown in Fig. 6.
Figure 14 shows an example examining screen of the detailed content of the selected bill of the bill detail list that is used for examining shown in Figure 13.
Figure 15 shows an example of the detail list of the gathering of being arranged that is shown to supplier in the transaction process shown in Fig. 6.
Figure 16 shows an example examining screen of the expense content in the transaction process shown in Fig. 6.
Figure 17 shows an example of the screen that is used to specify financial institution in the transaction process shown in Fig. 6.
Figure 18 shows the example that being used in the transaction process shown in Fig. 6 shows the screen of payment history.
Embodiment
Below, with reference to accompanying drawing according to the embodiment of the present invention transaction system is described.(first embodiment) be system configuration 1.
As shown in fig. 1, the transaction system 1 of present embodiment comprises: the buyer terminal 3 of buyer company, be used for by access portal 2A, and 2B ... and 2N buys commodity; The vendor terminal 4 of provider companies is used for merchandise news is offered portal 2A, 2B ..., and 2N; As the transaction equipment 5 of server, the agency of the clearing of the expense that produces in order to the exchange that carries out between the supplier and the buyer; With the 6A of financial institution, 6B ..., and 6E is used to settle accounts the expense that exchange that the buyer or supplier done produces, or is used for compiling of execution cost.
In this case, buyer terminal 3, vendor terminal 4 and portal 2A, 2B ... and 2N is by communication network 7 interconnection.Portal 2A, 2B ... and 2N and transaction equipment 5 is by communication network 8 interconnection.Transaction equipment 5 and the 6A of financial institution ... and 6E is by communication network 9 interconnection.Communication network 7,8 and 9 is made of such as the Internet, dial-up, dedicated line, VPN and wireless connections communication line.Specifically, communication network 8 is that the agreement according to TCP/IP or SAP R3 connects, and communication network 9 is to connect according to the SWIFT form in Zengin agreement (standard communication protocol of association of man of Bank of Japan) or the remittance overseas.
In addition, transaction equipment 5 comprises: expense details notifying device 51 is used for receiving from portal 2A, 2B ... and the conduct of 2N is about the expense details of the information of bill, be used to each buyer to compile the expense details and be used for this information is notified to each buyer; Money order device 52 is used for when the buyer registers the toll amount of the expense details that approved charge details notifying device 51 notified, and instruction financial institution sends toll amount; Geld is examined dispensing device 53, is used for when the buyer registers the toll amount of the expense details that approved charge details notifying device 51 notified, and the geld that the buyer provided is examined sent to financial institution; Checkout result notifying device 53 is used to receive the remittance result relevant with money order device 52 money order of sending from financial institution, is used for deleting money order to produce checkout result and to be used for checkout result is notified to the buyer according to the remittance result; With treatment state notifying device 57, be used to receive treatment state from the buyer's expense details, be used to each supplier to compile treatment state and be used for treatment state is notified to supplier.
In addition, transaction equipment 5 also comprises: member information database 55 is used to store as the member's of transaction system 1 the buyer or supplier's membership information; With expense details database 56, be used for the storage conduct about portal 2A, 2B ... and the expense details of the information of the fee bill of the exchange at 2N place generation.
Here, the more such information of member information database 55 storages are as its membership information, such as, the title of each buyer and supplier's Business Name, office's title, competent authorities' title, postcode, address, person in charge's name, telephone number, fax number, appointment financial institution, industry type, portal ID, portal member ID, contract ID and user ID.
The more such information of expense details database 56 storages are as the expense details, such as, the control ID of each expense item, expense number, buyer's title, the buyer's contract ID and user ID, vendor name, supplier's contract ID and user ID, trade name, goods number, commodity amount, unit price, financial institution's title and Payment Due Date.
Financial institution comprises bank, trust company, leasing company etc.The 6A of bank, 6B and 6C settle accounts according to the money order of transaction equipment 5; The 6D of trust company serves as the receiving agent according to the money order of transaction equipment 5; And the 6E of leasing company collects the fund of the commodity of leasing according to the money order of transaction equipment 5.The 6A of these financial institutions, 6B ... and 6E in advance signs the account transfer agency contract with the buyer and supplier, account transfer agency contract text is by the buyer and supplier's submission, and these contract texts are preserved by transaction equipment 5 and financial institution.2. operation
Below, each performed processing of transaction system 1 of present embodiment is described with reference to accompanying drawing.2-1. membership information enrollment process
At first, according to the process flow diagram among Fig. 2 the buyer that the transaction system 1 by this embodiment carried out and supplier's membership information enrollment process are described.
Want to use the buyer of the transaction that the transaction system 1 of this embodiment carried out to apply for membership (S201) by inserting transaction portals 2 from buyer terminal 3.In this case, the buyer imports membership information, such as, Business Name, office's title and the title of specifying financial institution.Specifically, on as the entr screen shown in Fig. 3, financial institution is specified in input.The buyer that can specify a plurality of buyeies of being used to settle accounts specifies financial institution, and can also specify its priority.
Behind the input membership information, portal 2 provides portal member ID, and carries out buyer's member subscription (S202).
Similarly, supplier applies for membership (S203) by inserting portal 2 from vendor terminal 4, and the input membership information, such as, Business Name, office's title and the appointment financial institution that is used to supplier to settle accounts.According to above membership information, portal 2 provides portal member ID, and carries out supplier's member subscription (S204).
When carrying out aforesaid member subscription, portal 2 adds a portal ID who is used to specify the portal in membership information, and member's information is sent to transaction equipment 5 (S205).
Then, transaction equipment 5 is when receiving membership information, portal ID and portal member ID, contract ID and user ID as the member ID of transaction equipment 5 are provided, and register this membership information (S206), again with member's information stores in member's information database 55.
After having registered membership information, each in supplier 4, the buyer 3 and portal 2 shows that all one is examined screen as the registration shown in Fig. 4, and membership information is examined (S207), thereby has finished registration.
Can change according to the screen in Fig. 3 and 4 respectively and specify financial institution and membership information.2-2. the merchandise sales transaction at place, portal
Below, the merchandise sales transaction at 2 places, portal is described according to the process flow diagram among Fig. 5.
At first, supplier inserts portals 2 from vendor terminal 4, and the commodity that will sell is input in the catalogue of portal 2 (S501).During clauses and subclauses that portal 2 is imported receiving just with goods registration (S502) in this catalogue.
Then, the buyer inserts portal 2 from buyer terminal 3, and consults catalogue (S503).When commodity that the buyer wants to buy, the buyer sends orders (S504) to portal 2.Portal 2 just receives and registers its order information (S505) when receiving order.
Then, order information is sent to supplier's vendor terminal 4 (S506).Supplier receives order (S507) according to order information, and the commodity of being ordered are consigned to the buyer (S508), and delivery information is sent to portal 2 (S509).Then, portal 2 registration these delivery informations (S510).
The buyer who receives commodity checks the commodity (S511) of being delivered goods, if the commodity defectiveness is just returned them supplier (S512), and to portal 2 transmission return of goods information (S513).Then, portal 2 these return of goods information (S514) of registration.
After delivery information and return of goods information had been registered by 2 places, portal, portal 2 produced cost information according to delivery information and return of goods information, and this cost information is notified to the supplier and the buyer (S515).Then, portal 2 extracts the information of clearing house's need with generation expense details from cost information, and these expense details are sent to transaction equipment 5 (S516), thereby has finished the merchandise sales transaction at 2 places, portal.
If contain wrong or unnecessary information in the expense details, so, portal 2 sends the expense details that are added with control ID to transaction equipment 5, the state of control ID in order to indicate one to revise or delete and so on.Transaction equipment 5 is specified bill according to the account odd numbers, and the processing of upgrading, deleting and so on according to the state of control ID.2-3. transaction process
Below, according to the process flow diagram of Fig. 6 the transaction process performed according to the transaction equipment 5 of this embodiment described.
As shown in Figure 6, as portal 2A from the contract defined, 2B ..., or 2N is when sending expense details (S601), and transaction equipment 5 receives these expense details, and is stored in the expense details database 56.
Then, transaction equipment 5 regularly reads the expense details that are stored in the expense details database 56, and extracts the supplier be registered in the transaction system 1 and buyer both sides' expense details (S602).Then, every month or compile the expense details of being extracted (S603) for each supplier weekly, on supplier's homepage, show each supplier's bill content (S604) according to the situation of compiling, and give supplier (S605) with the bill context notification by modes such as Emails.
Supplier is once learning bill selection each bill (S606) on the screen of examining in the bill content shown in Fig. 7.When carrying out the bill selection, whether import about by examining that 1 pair of each bill of transaction system is handled.Examining on the screen shown in Fig. 7, for need in examining input field, selecting " examining " by the bill of transaction system 1 processing; Select engineering noise for the bill that can save; Then do not select " uncertain " for determining bill to be processed as yet.
Therefore, sent the bill that repeats, to have selected bill also can make the bill of repetition invalid by method as mentioned above even revise because of bill.Thereby, can delete unnecessary bill.
In addition, supplier can be in Fig. 7 examines the mode of payment of selecting each bill in the Payment Methods hurdle on the screen.According to selectable mode of payment here, modes such as bank transfer, receiving agent, lease and credit are arranged.
Correspondingly, because supplier can import the disposal route of each bill at each bill, therefore, supplier can select the desirable disposal route of each bill.
In addition,, in expense approval hurdle, the buyer has been shown and whether has admitted bill, and finally examining of the responsible official of treasurer's department that whether imported the buyer has been shown finally examining in the hurdle examining on the screen of Fig. 7.
After having finished the bill selection, supplier is notified to transaction equipment 5 (S607) with selected bill.
After transaction equipment 5 receives selected bill, every month or be weekly that each supplier and the buyer add up to once (S608), on buyer's homepage, show expense content (S609) according to the total situation, and give the buyer (S610) with the expense context notification by modes such as Emails to the buyer.
The expense content of being notified in this incident comprises following information: account odd numbers, buyer's title, contract ID, user ID, vendor name, trade name, goods number, commodity amount, unit price, the amount of money, financial institution's title, Settlement Date, date of payment of being arranged etc.
Then, the buyer and examines by opening as the screen statement of account content of examining shown in Fig. 9 so that visit buyer's homepage (S611) by buyer terminal 3 input contract ID and user ID on as the logon screen shown in Fig. 8.
As shown in Figure 9, examining on the screen, the date of payment that description is settled a debt or an account odd numbers, vendor name, trade name, commodity amount, unit price, toll amount, dilivery date, Payment Methods and arranged, in addition, the total charge that will pay by the receiving agent and the total charge that will pay by bank transfer have also been described.
Then, the buyer examines the bill content of examining on the screen, and at each bill input " approval " or " not admitting " (S612).Figure 10 shows the example examining screen after above-mentioned input.Examine on the screen at this,, imported " not admitting " for the bill that is numbered SK0045, and, then imported " approval " for other bills.Therefore, from the total charge that will pay by bank transfer, subtract " not admitting " indicated amount of money, thereby demonstrate the amount of money as a result.
If the date of payment of being arranged shown on the screen of examining shown in Figure 10 changes, so, the change (S613) of the date of payment that input is arranged.
After the date of payment of having imported " approval " and " not admitting " and having been arranged, for each date of payment of arranging with for each supplier handles separately bill, and the input financial administration is to this approval of handling (S614).For example, in the middle of bill shown in Figure 10, will handle the bill that relates to " 123 SHOJI ", as shown in Figure 11, and input is to the approval of the payment of 123 SHOJI.Here, in Figure 11,, therefore, only imported approval to the total charge of the bank transfer except the toll amount of SK0045 owing to there is not approval to be numbered the bill of SK0045.
Then,, on appointment screen shown in Figure 12, specify or change financial institution (S615), import finally examining of the responsible official of treasurer's department at the approval of this bill at last, thereby set up geld (S616) according to above-mentioned approval.
Here, to S616, every information that the buyer imported (is related to approval/do not admit from step S611, the change of the date of payment of being arranged, approval, the appointment/change of financial institution, or finally examine) all send to transaction equipment 5, to be used for every such information.Transaction equipment 5 all will be selected each supplier's information when receiving information, and each this information that shows on supplier's homepage.
For example, as shown in Figure 13, on the homepage of supplier " 123 SHOJI ", shown treatment state to each bill of each buyer's charge.In Figure 13, for the bill that is numbered SK0029, by admit the processing procedure of finally examining from expense, the buyer has imported " approval ", and for the bill that is numbered SK0045,, has imported " not admitting " by this processing procedure.
Therefore, supplier always can learn his treatment state to the bill of buyer's charge by the homepage of visiting him.
Moreover, by clicking the account odd numbers of the bill detail list shown in Figure 13, will demonstrate the details of the bill shown in Figure 14, thereby make and can examine the detailed content of each bill.Figure 14 shows the details of the bill that is numbered SK0029 shown in Figure 13.
In addition, on supplier's homepage, when having specified the collection days of being arranged, the gathering detail list of being arranged of the bill that is arranged in the appointed day payment as shown in Figure 15 will be demonstrated.Figure 15 shows the bill that is arranged in daily payment in July 10, and each bill all shows the approval that toll amount, agency fee, the collection amount of being arranged, the buyer finally examine and the performance of bank transfer one by one.
Then, finally examine with after setting up geld when the buyer imports in above-mentioned steps S616, transaction equipment 5 judges that the Payment Methods of bill are to include only the receiving agent, still also comprises bank transfer (S617).If relate to the payment by bank transfer, so, transaction equipment 5 sends to the buyer with examining of geld that the buyer sent and specifies financial institution, in view of the above, and can be by automated facsimile or Email withdraw deposit (S618).
Examining of geld to be sent to bank.This be because, for the bank account from the buyer is withdrawn deposit, the bank of withdrawing deposit only can't close the account by described money order from transaction equipment 5 after a while, also because bank will receive directly from examining as responsible official's the buyer's geld in order to settle accounts.Therefore, examining of the geld that is sent here must be from the buyer.
As mentioned above, owing to the bank that examining of geld is sent to drawing, therefore, can be by described after a while money order and the examining of geld from transaction equipment 5 be compared this expense is settled accounts.
In addition, in Fig. 6, the buyer imports approval/do not admit, approve, finally examine etc., buyer confirm toll amount then.Yet under the situation of being collected money by trust company, supplier can approve toll amount, and each buyer's toll amount can be notified to trust company.In this case, if the buyer does not admit this toll amount, he can import and not admit so.But, if buyer approval, so he needn't entry approval, finally examine etc.
Then, if the bill of not admitting (S619) is arranged in the middle of bill, so, transaction equipment 5 is not admitted this by modes such as Emails and is notified to portal 2, vendor terminal 4 and buyer terminal 3 (S620), and demonstrates this bill of not admitting (S621) on as shown in Figure 16 supplier's homepage.
On the other hand, from the 2 input expense details of portal, can also directly import payment details and money order information (S622) except aforesaid from buyer terminal 3.
Here, owing to be similar to the expense details from the payment details of buyer terminal 3 inputs, therefore, can be as sending and handle fund under the expense details situation.
Correspondingly, owing to can directly import the payment details from buyer terminal 3, therefore, the buyer's financial system can link mutually with transaction equipment 5, can be from the trend banker's payment thereby make.
In addition, under the situation of buyer terminal 3 input money order information, on as display screen shown in Figure 17, instruct remittance as beneficiary by specifying a tame bank.
Correspondingly, because the buyer can directly import money order information, therefore, the buyer can carry out remittance in the middle of a plurality of banks by transaction equipment 5.
Then, transaction equipment 5 compiles expense details, payment details and money order information (S623), and respectively the date of payment of being arranged and the collection days of being arranged is sent to the buyer and supplier (S624).In addition, transaction equipment 5 is changed (S625) with the data of each financial institution, and the specified buyer of the instruction buyer specifies financial institution to send fund (S626).
The bank that the buyer who receives money order specifies financial institution examines the geld that is sent among the money order that receives and the step S618 and compares, specify financial institution (S627) according to the above-mentioned specified supplier of supplier that relatively amount of money that will withdraw deposit sent to, the result that will remit money then sends to transaction equipment 5 (S628).
In the performed gathering of trust company, from the buyer's of prior registration bank account, collect the amount of money that to withdraw deposit according to received money order, and this amount of money is sent to supplier specify financial institution (S627).The result that will remit money then sends to transaction equipment 5 (S628).
After transaction equipment 5 receives the remittance result, will delete money order information (S629), produce checkout result, on the buyer and supplier's homepage, to show as the payment history shown in Figure 18 (S630) according to the remittance result.Meanwhile, transaction equipment 5 also produces the checkout result that will be notified to portal 2, buyer terminal 3 and vendor terminal 4.
So, deleted money order information and produced the remittance result owing to transaction equipment 5, therefore, the buyer need not to carry out needed the deletion of big workload work in the past, thus the burden that can alleviate the buyer greatly and born.
In addition, transaction equipment 5 also is notified to buyer terminal 3, vendor terminal 4 and portal 2 (S632) respectively with the cost information of transaction expense.Meanwhile, the transaction equipment 5 instruction buyeies specify financial institution, supplier to specify financial institution and portal to specify financial institution to send the fund (S633) of agency fee.When the remittance of having finished agency fee (S634), transaction equipment 5 receives remittance result (S635).So far, finished the transaction process of clearing agent equipments 5.
As mentioned above, in the transaction system 1 of present embodiment, transaction equipment 5 can gather from portal 2A, 2B, ... and the expense details of 2N, this information is notified to each buyer, and the instruction 6A of financial institution, 6B ... and 6E sends fund.Therefore, portal 2A, 2B ..., only can realize settlement function with 2N by just being connected with transaction equipment 5.
Similarly, the 6A of financial institution, 6B ..., only just can obtain from portal 2A with 6E is same by being connected with transaction equipment 5,2B ... and the money order of 2N.Therefore, needn't with all portal 2A, 2B ..., carry out anyly independently being connected with 2N.
Therefore,, need not between many portals and many financial institutions, to carry out anyly independently to be connected according to transaction system 1 of the present invention, just can batch processing by sales transactions produced and the clearing a plurality of financial institutions at place, a plurality of portals.
In addition, the program that realizes the variety of processes of the transaction equipment 5 in the above-mentioned transaction system 1 can be stored in a kind of recording medium.By making computer system read this recording medium, just can finish the variety of processes of transaction equipment 5 so by executive routine and control computer.In this case, recording medium comprises the device of energy logging program, for example, and storer, disk set, optical disc apparatus etc.
Can see that from the appended claims book these inventions are also in the technical scope of the application's invention.
Industrial usability
As mentioned above, according to transaction system of the present invention, it can batch processing by a plurality of The sales transactions at portal place that produce with clearing a plurality of financial institutions, and need not permitted Carry out between multi-door family website and the many financial institutions anyly independently being connected.
Claims (20)
1. transaction method, in this method, utilize computer system to carry out the supplier of the supplied goods by the portal and buy transaction between the buyer of commodity, and utilize server to carry out the agency of the clearing of the expense that these exchanges produce
Wherein, server gathers the bill of the expense that is produced in the transaction at place, portal, and as the buyer during to the toll amount of server registers approval bill, the specified buyer of the server instruction buyer specifies financial institution that toll amount is sent to the specified supplier of supplier and specifies financial institution.
2. transaction method as claimed in claim 1, wherein, as the buyer during to server registers approval toll amount, the examining of the geld that server sends the buyer sends to the buyer and specifies financial institution.
3. as the described transaction method in one of claim 1 and 2, wherein, when receiving from the buyer, server specify the instruction of financial institution to specify the remittance of remittance of financial institution as a result the time to the buyer, server is deleted money order with the generation checkout result according to the remittance result, and checkout result is notified to the buyer.
4. as the described transaction method of one of claim 1 to 3, wherein, server is notified to supplier with fee bill, and makes supplier to make one's options from fee bill.
5. as the described transaction method of one of claim 1 to 4, wherein, server receives the treatment state from the buyer's bill, for each supplier compiles treatment state, and gives supplier with result notification.
6. transaction equipment, it utilizes computer system to carry out the supplier of the supplied goods by the portal and buys transaction between the buyer of commodity, and utilize server to carry out the agency of the clearing of the expense that produces by these exchanges, this equipment comprises:
Expense details notifying device, be used for receiving from the conduct of portal expense details about the information of the bill of the expense that transaction produced at place, portal, be used to each buyer to compile the expense details and be used for this information is notified to each buyer; With
The money order device, be used for when the buyer registers the toll amount of the expense details that approved charge details notifying device notified, the specified buyer of the instruction buyer specifies financial institution that this toll amount is sent to the specified supplier of supplier and specifies financial institution.
7. transaction equipment as claimed in claim 6, also comprise: geld is examined dispensing device, be used for when the buyer registers the toll amount of the expense details that approved charge details notifying device notified, examining of geld that the buyer sent sent to the buyer specify financial institution.
8. as the described transaction equipment in one of claim 6 and 7, also comprise: the checkout result notifying device, be used to receive the remittance result who specifies the remittance that is instructed by the money order device of financial institution from the buyer, be used for deleting money order to produce checkout result and to be used for checkout result is notified to the buyer according to the remittance result.
9. as the described transaction equipment of one of claim 6 to 8, wherein: the expense details that expense details notifying device will receive from the portal are notified to supplier, and make that supplier can the sorting charge details.
10. as the described transaction equipment of one of claim 6 to 9, also comprise: the treatment state notifying device, be used to receive treatment state from the buyer's the expense details that are notified to the buyer, the treatment state that is used to each supplier to compile treatment state and is used for being compiled is notified to supplier.
A 11. buyer buyer terminal, it utilizes computer system to carry out with the transaction of supplier by the portal supplied goods and buys commodity, wherein, when receive from server about transaction at portal place in the notice of bill of the expense that produced, and when the buyer registers the toll amount of these bills of approval, allow the specified buyer of the server instruction buyer to specify financial institution that toll amount is sent to the specified supplier of supplier and specify financial institution.
12. buyer terminal as claimed in claim 11 wherein, when the buyer registers approval during toll amount, is issued server with this approval, specifies financial institution thereby allow examining of geld that server sends the buyer to send to the buyer.
13. as the described buyer terminal in one of claim 11 and 12, wherein, when server receive from the buyer specify financial institution with by the relevant remittance of the money order of the toll amount that the buyer instructed as a result the time, allow server to delete money order with the generation checkout result, and receive checkout result according to the remittance result.
14. a supplier vendor terminal, it utilizes computer system to provide merchandise news to the portal, and comes merchandising by the execution and the buyer's transaction, wherein:
Prompting supplier makes one's options during the bill of the expense that produces in the exchange at portal place that receives from server,
Selection result is sent to server, thus server can carry out the buyer to the approval of the toll amount of these bills and
When this Fee Amount of buyer confirm, server can instruct the specified buyer of the buyer to specify financial institution that toll amount is sent to the specified supplier of supplier and specify financial institution.
15. vendor terminal as claimed in claim 14, wherein, server receives the treatment state from the buyer's bill, and for each supplier compiles treatment state, and the treatment state that is compiled is received.
16. transaction program recording medium that is used for writing down transaction equipment, it utilizes computer system to carry out the supplier of the supplied goods by the portal and buys transaction between the buyer of commodity, and the agency who carries out the clearing of the expense that these exchanges produce, this recording medium comprises:
Expense details notification procedure, be used for receiving from the conduct of portal expense details about the information of the bill of the expense that transaction produced at place, portal, the information that is used to each buyer to compile the expense details and is used for being compiled is notified to each buyer; With
The money order process, be used for when the buyer registers the toll amount of the expense details that approved charge details notification procedure notified, the specified buyer of the instruction buyer specifies financial institution that this toll amount is sent to the specified supplier of supplier and specifies financial institution.
17. the transaction program recording medium that is used for writing down transaction equipment as claimed in claim 16, also comprise: geld is examined process of transmitting, be used for when the buyer registers the toll amount of the expense details that approved charge details notification procedure notified, the geld that the buyer sent is examined sent to the buyer and specify financial institution.
18. as the described transaction program recording medium that is used for writing down transaction equipment in one of claim 16 and 17, also comprise: the checkout result notification procedure, be used to receive the relevant remittance result of the money order with being instructed who specifies financial institution from the buyer by the money order process, be used for deleting money order to produce checkout result and to be used for checkout result is notified to the buyer according to the remittance result.
19. as the described transaction program recording medium that is used for writing down transaction equipment of one of claim 16 to 18, wherein, the expense details that expense details notification procedure will receive from the portal are notified to supplier, and make that supplier can the sorting charge details.
20. as the described transaction program recording medium that is used for writing down transaction equipment of claim 16 to 19, also comprise: the treatment state notification procedure, be used to receive treatment state from the buyer's the expense details that are notified to the buyer, the treatment state that is used to each supplier to compile treatment state and is used for being compiled is notified to supplier.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2000280186 | 2000-09-14 | ||
| JP280186/2000 | 2000-09-14 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1409848A true CN1409848A (en) | 2003-04-09 |
Family
ID=18765073
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN00817157.2A Pending CN1409848A (en) | 2000-09-14 | 2000-12-27 | Transaction system |
Country Status (4)
| Country | Link |
|---|---|
| US (1) | US20020174070A1 (en) |
| JP (1) | JPWO2002023420A1 (en) |
| CN (1) | CN1409848A (en) |
| WO (1) | WO2002023420A1 (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102567878A (en) * | 2010-12-30 | 2012-07-11 | 深圳市赛格导航科技股份有限公司 | System and method for processing data |
| CN104641390A (en) * | 2012-09-12 | 2015-05-20 | 株式会社日立制作所 | Settlement service support system and settlement service support method |
| CN104769628A (en) * | 2011-12-20 | 2015-07-08 | 英特尔公司 | Transaction fee negotiation for currency remittance |
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| JP2003346024A (en) * | 2002-05-27 | 2003-12-05 | Ricoh Co Ltd | Ordering and order-reception management system |
| US6946150B2 (en) * | 2002-08-14 | 2005-09-20 | Gw Pharma Limited | Pharmaceutical formulation |
| JP2007524887A (en) * | 2003-03-13 | 2007-08-30 | コンソリデイテッド ビルディング ソリューションズ インコーポレーテッド | Electronic bill presentation and payment system and method of using the same |
| JP4421924B2 (en) * | 2004-03-26 | 2010-02-24 | 株式会社みずほコーポレート銀行 | Transfer service system |
| EP1759342A4 (en) * | 2004-04-14 | 2009-04-22 | Six Continents Hotels Inc | Self-funded commission management system |
| CN1584896A (en) * | 2004-05-28 | 2005-02-23 | 应光荣 | Two-way reversing marketing method and system |
| JP4481754B2 (en) * | 2004-07-21 | 2010-06-16 | 株式会社大和証券グループ本社 | Securities trading system and method, and program |
| US8407140B2 (en) * | 2004-10-29 | 2013-03-26 | Wells Fargo Bank, N.A. | Global remittance platform |
| JP2006309321A (en) * | 2005-04-26 | 2006-11-09 | Mitsui Zosen System Research Inc | Remittance receipt confirmation device, program, and recording medium |
| JP4774864B2 (en) * | 2005-08-22 | 2011-09-14 | 東洋製罐株式会社 | Product sales system, information management server, and product sales program |
| JP5167726B2 (en) * | 2007-08-23 | 2013-03-21 | ソニー株式会社 | Content billing system, content acquisition device, content acquisition method and program thereof, and content providing device, content provision method and program thereof |
| JP4550156B1 (en) * | 2009-09-29 | 2010-09-22 | 株式会社三菱東京Ｕｆｊ銀行 | Electronic record receivable application support system and electronic record receivable application support method |
| JP5862144B2 (en) * | 2011-09-16 | 2016-02-16 | 株式会社リコー | Server apparatus and program |
| JP6583999B2 (en) * | 2015-08-14 | 2019-10-02 | エヌ・ティ・ティ・コムウェア株式会社 | Payment processing apparatus, payment system, payment processing method, and program |
| JP7161347B2 (en) * | 2018-08-31 | 2022-10-26 | エヌ・ティ・ティ・コムウェア株式会社 | PAYMENT AGENT DEVICE, PAYMENT SYSTEM, PAYMENT METHOD, AND PROGRAM |
| JP7470850B1 (en) | 2023-07-31 | 2024-04-18 | 株式会社シディ | Information processing method, information processing device, and information processing program |
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- 2000-12-27 WO PCT/JP2000/009332 patent/WO2002023420A1/en active Application Filing
- 2000-12-27 CN CN00817157.2A patent/CN1409848A/en active Pending
- 2000-12-27 US US10/129,958 patent/US20020174070A1/en not_active Abandoned
- 2000-12-27 JP JP2002527997A patent/JPWO2002023420A1/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102567878A (en) * | 2010-12-30 | 2012-07-11 | 深圳市赛格导航科技股份有限公司 | System and method for processing data |
| CN102567878B (en) * | 2010-12-30 | 2016-03-02 | 深圳市赛格导航科技股份有限公司 | A kind of system and method for the treatment of data |
| CN104769628A (en) * | 2011-12-20 | 2015-07-08 | 英特尔公司 | Transaction fee negotiation for currency remittance |
| CN104769628B (en) * | 2011-12-20 | 2019-02-19 | 英特尔公司 | Method, system and the computer-readable medium negotiated for the tranaction costs for currency remittance |
| CN104641390A (en) * | 2012-09-12 | 2015-05-20 | 株式会社日立制作所 | Settlement service support system and settlement service support method |
| CN104641390B (en) * | 2012-09-12 | 2017-10-20 | 株式会社日立制作所 | Settlement operations support system and settlement operations to support method |
Also Published As
| Publication number | Publication date |
|---|---|
| US20020174070A1 (en) | 2002-11-21 |
| JPWO2002023420A1 (en) | 2004-01-22 |
| WO2002023420A1 (en) | 2002-03-21 |
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